We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

No Deposit Car Finance

No Deposit Car Finance

Drive away your new car with no deposit to pay

If having no deposit is holding you back from getting a new car then you don’t need to worry!

We work with over 15 lenders to make sure that we can offer you plenty of no deposit car finance options and the best car finance deals. If you’re worried that you’ll be declined, or even if you’ve been refused car finance elsewhere, we can help! Our 98% approval rate means we will give you the best chance of being approved for car finance.

Who can we help?

If you have bad credit, good credit or no credit history at all we can still help you find the best deal on car finance. If you’re worried that you won’t be approved, or even if you’ve been refused car finance elsewhere, that’s no problem! As long as you’re over the age of 18, free from bankruptcy and have lived in the UK for at least 3 years then we can take a look at your application.

No one will work harder to get you a ‘yes’ and into the car of your dreams so waste no more time and apply now!

Still need convincing? Read Refused Car Finance reviews from our genuine customers!

Cars on finance with no deposit

Car finance is a great way of purchasing a new car as it spreads the cost of your repayments into more manageable amounts. This is great for anyone who doesn’t have the cash upfront to buy a car. Instead of searching for zero deposit car finance from a dealer, save yourself time and let us do all the hard work for you by securing the best car finance deal. We work with lenders and dealers up and down the country to get you the best rate on your finance and help you find exactly the car you want. If you’d like to find out what we can do for you apply now!

If you’re not sure what kind of car you’d like yet, why not take look at some of the fantastic cars we have available on finance from a selection of dealers we work with.

Blue car on a road

With Refused Car Finance, you can benefit from:


car icon Buying your car from any dealer


car icon Getting the best car finance deal possible


car icon Absolutely no customer fees


car icon Weekly or monthly payment options

Do you qualify for no deposit car finance?

If you can answer yes to the following then we can get you car finance without a deposit!
Lived in the UK for 3+ years
Are 18 or older
Can prove you can afford finance
Are free from bankruptcy
Hold a full UK driving licence

Apply for no deposit car finance

Apply Now

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews

Refused Car Finance Reviews

4.90 Average

89 Reviews

sorted me out with a great car finance deal despite my poor credit history, I recommend them

Jacob was friendly, Enthusiastic and knowledgeable, found me a great deal on my finance considering my low credit rating !!! Many thanks !!!

Excellent communication and the rep Dan kept me informed of all updates and rang me on time he said excellent all round service